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Fernando Capablanca's Union Credit Bank has been on the leading edge of a lot of banking trends, like being the nation's first community bank signatory to the United Nations' green banking program and the first in South Florida to offer an in-house microlending program.

But even Capablanca was a bit cautious about marrying banking to the social media craze generated by YouTube, Facebook and Twitter.

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Law.com, “One Bank Going Where Few Have Before: Social Networking”